0000908834-05-000342 Sample Contracts

Exhibit 4.5(b) -------------- REVOLVING NOTE --------------
Revolving Note • May 13th, 2005 • White River Capital Inc • Personal credit institutions

FOR VALUE RECEIVED, the undersigned, White River Capital, Inc., an Indiana corporation (the "Borrower"), HEREBY UNCONDITIONALLY PROMISES TO PAY to the order of Castle Creek Capital Partners Fund IIb, LP (the "Lender"), the principal sum of $35,635.80, or, if less, the aggregate unpaid amount of all advances made hereunder by the Lender to the Borrower on August 16, 2005, or, if earlier, the date three business days following consummation of the subscription offering described in Borrower's registration statement filed with the Securities and Exchange Commission (Reg. No. 333-123909) ("Due Date").

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